[Resolved]  ICICI Bank — Home Loan

Better to stay away from ICICI Bank for home loan

ICICI BANK/CREDIT CARD & HOUSING LOAN EMI — Payment debited from my account and credited to ICICI bank but still showing as overdue

I am holding an ICICI BANK credit card.I made a payment of Rs 13157.23/- from my HDFC Bank account.The same cheque got cleared from HDFC Bank on 05/07/2008 .ICICI bank has manipulated with this payment by showing as credit/Debit etc and ultimately this is still appearing as overdue.I have stopped using credit card once I came to know about this manipulation.I have talked to the customer care and I have also sent few mails but there is no response.Inspite of all this ICICI bank is sending the statement every month with late fee and interest charges which is totally illegal. Now some people from bank have come to my residence for the payment and tried to do some wrong practice.I have also talked to Mr.Gaurav Rajput ([protected]) as per their letter dated 22/8/2009 but he has also not resolved the issue.
Now ICICI bank has debited Rs 13220.95 from my savings account.This amount was meant for the repayment of EMI of housing loan which I took from ICICI bank only.With all this wrong practice of the ICICI bank I have stopped paying the EMI of my loan.
I need compensation from ICICI bank for this mental harrasmment which they are doing from last one year.

Dear Mr Alim,

We're sorry to hear about your experience. Please write to us with your contact details and credit card number at [protected]@icicibank.com. We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

Home Loan — For last 1 yr EMI is deducting twice a month

for last 1yr EMI for Home Loan is deducting twice a month inspite of repeated notification to the bank manager. manager is very incooperative.

Date: 18/11/2009
Kolkata

COMPLAINT LODGED WITH ICICI BANK ON 18/11/2009 THROUGH ICICI BANK’S WEBSITE.

Dear Sir,

I am holding a home loan account no.LBCAL[protected] with ICICI Bank since October 2002. I have been regularly paying my monthly EMI payments through post dated cheques. Suddenly, since last two years I have been receiving reminders from ICICI Bank for depositing an over due EMI payment of Rs. 12877/- . I have several times submitted documents and clarified the loan officers at ICICI Central Plaza Branch, Kolkata as well as to their Mumbai Head Office that there exists no unpaid instalment amount. A communication was sent earlier to ICICI Bank through their e-mail service on 19.10.2009. I have not yet received any reply or confirmation on rectification of anomaly from their end.

I am unable to understand why the reconciliation could not be completed deaspite a lapse of about 4 months after submission of copies of all the bank statements in support of my confirmation on EMI payments.

For your ready reference the text of last e-mail is placed below.

"Date: 19/10/2009
Kolkata


COMPLAINT LODGED WITH ICICI BANK ON 19/10/2009 THROUGH ICICI BANK’S WEBSITE EMAIL WINDOW.

I have been getting reminder msgs for making an overdue amount of Rs 12877/- against my loan a/c whereas thereis no insatalment is due.I had submitted copies of my bank statements for the period from 30/09/2002 to 15/06/2009 to Ms. Pramita Dasgupta of ICICI Bank's Central Plaza branch, Kolkata on 08/08/2009. Thereafter, one Mr. Sachin (Email ID'sachin.[protected]@icicibank.com', phone[protected],[protected]called up from your Mumbai office and asked for scanned copy of some of my bank statements, which I sent to him through e-mails and also sent several reminders, all in-vain. He had assured that the discrepancy would be resolved in 10 days' time and confirmation would be sent to me.
Evenafter a lapse of 3 months I have not received any confirmation on the result of my account. I am still receiving msgs asking me to make payment of overdue installment.As per my records, there is nil outstanding from my side.
I would like to know, why despite a lapse of 3 months there is no come bank from your end on my request for reconciliation and correction of my account status. How long will it take to check and correct my account? Please let me know whether you require any other details/documents to resolve the issue.

DEVJYATI BISWAS
D-3/1, ANIMIKHA HOUSING COMPLEX,
10, M.A. ROAD,
NEWTOWN, RAJARHAT.

Mobile: [protected]

ICICI Home Loan — amount direction from other account

Hi Thisi is pulleti nageswara rao (lbhyd[protected] icici home lone)

On 16th November you detected an amount of nearly 1,13,000 from my daughter p. silpa's and my joint account number[protected] but i never give any concent to you to detect the EMI home lone amount of my son P Sri harsha home lone accont number LBhyd [protected]. I gave consent only to detect from my son P sri harsha and my joint accont number[protected] now a days i am paying his EMI through cash only I will pay The due ammont on his name at an early date first you creadit the ammont with you have detected from my daughter accont with out my daughter consent

This is for necessary action

contact me on my mobile number [protected]

Dear Sir/Mam,

I Mr.Kuttapan Nair have applied for home loans have applied for home loans with ICICI for 50 lacs.they have generated my credit report and it shows i have some credit cards problems with some bank & have availed one consumer loans in recent peeriod of rs.10 lacs in 2008 which i am not aware at all, also do not have any credit card issues as far my knowledge.i had an arguement with icici executive on my report than i understood report is provided by cibil.

i would like to know in details of credit cards number & bank where i am registered as defaulter & also wanted to know details of rs 10 lac loan i availed in 2008 with finnancial institute name & loan account number.providing my required details below

Name -- KUTTAPPAN T NAIR

Father Name -- KUNJUNNI PANICKER NAIR

Date of Birth -- 05/05/1960

Contact Number[protected]

Cibil Report Control Number[protected]

I have already bought a property with Raheja project at Thakur Village Kandivli East, done with stamp Duty & Registration paid 21 lacs to builder (Own Contribution), now i am in trouble as my loan is stucked and builder is on demand.

Request you to provide required details with immideate response .i will be really obliged to have quick reply from your credit team

Thanks & Regards

Kuttappan Nair

ICICI Bank — Home Loan Purpose

say address of your office for complaint & say solution for ICICI Bank Home loan because my family was harressed So please say your office address in mumbai mulund area.

Thank's for consumer forum
Amit Doshi
[protected]

ICICI Home Loan — post dated cheque come in advace

hi
please refer to my housing loan a/c.no LBMGH[protected] in this regard i would like to bring ur notice that 2 cheque no.632233 and 632234 come same day on dated 17.11.09 because of this ur mistake my one another cheque bounce please look into the matter and let me clear in this regards moreover i think ur company working going dull

thanks

HEMANT GOYAL

MOBILE NO. [protected]

ICICI Home Loan — EVER INCREASING INTEREST RATES

On being misguided by a icici agent I commited a mistake of taking home loan from icici bank vide agreementLBDEL[protected]. Since then the bank has been increasing the intrest rates. While RBI and Other bank have many time brought down intrest rates, ICICI has not brought down the floating rate on old loans while they are advertising that they are giving loan on floating rates at competetive rates in the market for new loans with out redusing the rates for old custmers. This is immoral and manupulation of basic purpose of taking loans on floating rates. Now I intend to go to the court of law for getting justice.

Secondly Can you tell me the provisions under which there is clause to increse the tenure of loan with out getteing consend of the party.my tenure has now been revised to 326 months while initially it was for 20 years.due to which I inspite of paying Rs2,62,105 of Rs5,59,200 only Rs 17,382 of total loan amound is redused till now rest has been cosumed as interst. Just like the old shukars of indian village ICICI is cheating indian people.

Mr Kamant it high time you bring some molality into this business. You cannot cheat your customer of their hard earned money and keep wining awards at our cost.

House Loan — House loan account details

Please send to me the provisional statement for claiming deduction -Sec. 24(b) &80(c) of IT Act 1961 for Financial Year April 2009 to March 2010. Please send to me these statement for the following Loan Account no urgently today on my E-Mail Adress.

1.Loan Account no[protected]


Thanks & Regards

state bank of India at ghaziabad — refusal of fund acceptance through ECS

sir
I had surrendered my icici life time super insurace policy no 04501232
on[protected] and attachted a cancelled cheque of my saving account no.[protected] which is of kavinagar branch of SBI gzb. for ECS payment in my above account. On not receiving the surrender amount in my sbi account i enquired from the office of icici at RDC Gzb the icici sent a message on[protected] at 19:49hrs.that electronic credit to my account for policy 04501232 has been rejected by the bank. and a cheque will be sent to my address in four workint days.
I was expecting the money through ecs in sevien working days as a routine. So i had issued a cheque for payment to post master gzb but which was dishonoured on account insufficient funds. kindly look into the matter and make good of my loss.

icici bank / loan — mobile no details add+city

[protected] give a details for this no add+city and parson name
contact me on this no {[protected]}

I WANT TO GIVEN LAON

Icici loan shield — Time is taken in months

I have taken loan shield policy with my Personal loan. It has job loss claim also. Two years passed I have not recieved my policy yet. My Policy number is 4065A/ICICI-PL/1314443/00/000. I lost my job in feb 2010. I made my complaint to Icici bank lombard. I also request for issueing me polcy. 2 months passed they some times say we will send you policy, some times they say no such policu. On the other hand they say you should contact loan department and loan deparment says you should contact insurance department. I am recieving threatning call from ICICI bank. If something happens to me than ICICI bank will be responsible for this.

ICICI — Home loans

I have been facing lot of problems with ICICI home loans deptt.

1. Wrong commitments on interest rates/ others by ICICI staff.
2. Non-timely delivery of their letters.
3. When you complain to their consumer complaints deptt., even they don't respond on time.

Do know what to do ? Any way out ?

Would request any new loan applicant, not to go for ICICI loans. Will definitely give you sleepless nights.

Regards,
Shishir
Home loan no. : LBFDB[protected]
Mobile : +[protected]

Dear Shishir,

We regret the inconvenience caused to you. We have made a note of your contact details and will be getting in touch with you soon in order to address your concern.

Regards,
ICICI Bank Customer Service Team.

ICICI Bank Home Loan — Progress on complaints

Hi,

What action have you taken about the grievances raised with regards to ICICI bank home loans till date?

Do you take any actions or is this just a dumb website?

Regards,
Consumer

ICICI Bank — Loan Repay

I had taken a loan of Rs 2 lacs from ICICI bank issued to me on 4th July 2007 to repay back through EMI Rs.5980 per month scheduled up to 4th June 2011.I regularly paid 18 EMIs till Dec 2008 as per the date. During October 2008 I suffered severe finance problem, job loss and a bad divorce (Court case is still on) without any family support and my son is still studying.

Some how taking tuition and running my liabilities I continued paying to the bank. Since January 2009 I made my payment amounts given by telephonic instruction from bank executives regularly and till date I paid Rs 232050. But recently bank people are repeatedly harassing me and insisting payment according to their wish and chasing me day and night saying that my outstanding balance is still more than one Lac and I am a defaulter.

I am in great doubt and nothing is clear as I am mentally tortured by the bank people.Need help.
SAswati Chaudhuri Kundu
[protected]

ICICI IS LEADING BANK IN SUCKING FROM CUSTOMERS. I STRONGLY AGREE WITH THIS COMPLAINT. PEOPLE BE CAREFULL WTH ICICI.. MR SAswati Chaudhuri Kundu GIVE POLICE COMLAINT AGANIST HARRASMENT. DON'T BE AFRAID FILE THE LEGAL COMPLAINT AND ASK FOR COMPENSATION FOR HARRESMENT. IF YOU WISH TO PAY MORE GET THE SETTLEMENT LETTER AND PAY. DONT BELIVE THEIR WORDS. THEY MAY SAY THAT THEY WILL ISSUE THE SETTLEMENT LETTER WITHIN 24 HRS OF PMT DO NEVER BELIVE THAT. GET SETTLEMENT AS FULL AND FINAL AND PAY THE DUE.